Experience in Frontline Relationship Management, Debt Origination or Portfolio Management
Progressive and proven core banking skills with a strong understanding of wholesale business strategy, products, portfolio, and credit & lending
Working knowledge of what Wholesale IRB models are, in which business and risk processes they are used and how they impact business and commercial outcomes
Experience presenting complex issues confidently, simply, and concisely to diverse stakeholders from across wholesale business and functions
Strong and proven stakeholder management and influencing skills with ability to foster strong collaborative partnerships
Strong planning and execution skills with proven track of getting it done and delivering results
Tenacity and willingness to learn and challenge even with senior stakeholders; keen to share front line commercial insights to help drive strategic change
What you will do :
Advocate and make sure business considerations are reflected in Wholesale IRB models and models are commercially intuitive, while enabling the right balance between risk and commercial outcomes by working closely with Global Risk Analytics and business representatives during model development initiatives
Work closely with Risk, WCL and IT teams and provide business guidance and oversight to make sure model implementations are delivered at pace and to plan, including timely escalation of issues to senior management.
Support frontline with implementation and usage of new models by preparing model user guides, delivering training to relationship managers, and providing post-implementation support to relationship managers
Act as a model expert to provide useful insights, guidance, and support to wide range of business and risk stakeholders, including model advisory support to the frontline and Credit Approvers during deal origination and rating assessment
Keep abreast of regulatory and model landscape changes, assessing how these changes impact business, strategy and customer outcomes and informing senior management
Advocate for business and Review / challenge new credit risk policy proposals to make sure commercial / business views are reflected and policies are efficient to be operationalized by the business
Monitor closely model usage, judgmental overrides and model performance to understand KPIs and trends, identify key issues, assess impact to wholesale business and propose actions
Contribute and support ideation and delivery of return enhancing opportunities, including capital optimization through models
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